BEIJING, Beijing, December 19 (Reporter Li Jinlei) 2016 is about to pass. Looking back on this year, a series of policy measures have affected your purse. So, is your wallet bigger this year than before?
Pensions have generally increased by about 6.5%.
[Policy] In April this year, the Ministry of Human Resources and Social Security and the Ministry of Finance issued the Notice on Adjusting the Basic Pension for Retired Persons in 2016. For the first time, the government, institutions and enterprise retirees were arranged to adjust the basic pension simultaneously. The overall adjustment level was about 6.5% of the monthly basic pension for retirees in 2015.
[Impact] On October 25th, the Ministry of Human Resources and Social Security revealed at the press conference in the third quarter that the pension adjustment and distribution work has been basically implemented, and preliminary statistics show that the basic pension insurance benefits for retirees from more than 100 million enterprises, institutions and institutions nationwide have been improved. The reporter from Zhongxin. com noted that the overall adjustment level of pensions in some areas exceeded 6.5%. The pension received has increased, and the life of retirees has become more secure.
9 regions raise the minimum wage standard
[Policy] Since 2016, nine regions including Beijing, Tianjin, Hebei, Liaoning, Shanghai, Jiangsu, Shandong, Hainan and Chongqing have raised the minimum wage, with an average increase of 10.7%. The highest monthly minimum wage in China is 2190 yuan in Shanghai, and the highest hourly minimum wage is in 21 yuan.
[Impact] After raising the minimum wage, the wages of low-income people linked to the minimum wage will also rise, which is conducive to improving the income and living standards of low-income people.
Reduce the social insurance rate in stages
[Policy] Within two years from May 1, 2016, first, the provinces that pay more than 20% of the basic old-age insurance units for enterprise employees will reduce the payment ratio to 20%; Provinces where the unit contribution ratio is 20% and the accumulated balance of the fund can be paid for more than 9 months at the end of 2015 can be reduced to 19% in stages. The second is to reduce the total unemployment insurance rate from the current 2% to 1%— 1.5%, of which the personal rate does not exceed 0.5%.
[Impact] The reporter from Zhongxin.com found that at present, most localities have introduced phased social security fee reduction programs. In addition to reducing the burden on enterprises, reducing social security fees will also affect the wages of employees. The reporter from Zhongxin. com noted that in terms of unemployment insurance, some areas have also reduced the proportion of individual contributions, which means that the wages of employees in these places will become more.
Reduce the proportion of housing provident fund deposit
[Policy] Within two years from May 1, 2016, the proportion of housing provident fund deposit will be standardized, and all those higher than 12% will be standardized and adjusted. At the same time, the provinces (autonomous regions and municipalities) will appropriately reduce the proportion of housing provident fund deposit in stages according to the actual situation.
[Impact] At present, most areas such as Hebei, Tianjin, Fujian, Jilin, Ningxia, Qinghai and Chongqing have introduced specific measures to reduce the proportion of housing provident fund contributions in stages. Lowering the deposit ratio of housing provident fund, although the income of individual accounts of provident fund will be affected, the cash available to employees is also expected to increase. Mr. Zhu, who works in a bank in Tianjin, confirmed to the reporter of Zhongxin. com that since May, the contribution ratio of his housing provident fund has been reduced from 15% to 12%. Although the provident fund is generally less, the salary he gets every month is more than 200 yuan.
A variety of bank charges are no longer charged.
[Policy] In February this year, five major banks, namely Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications, jointly announced that the domestic RMB transfer and remittance handled by customers through mobile banking will be exempted from handling fees, regardless of inter-bank travel, and the domestic RMB online bank transfer and remittance for customers below 5,000 yuan will be exempted from handling fees.
According to the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks issued by the Central Bank at the end of September this year, if a bank collects off-site handling fees for the off-site deposit and withdrawal, transfer and other services within the bank, it shall be free within three months from the date of issuance of this notice.
[Impact] With the cancellation of the above-mentioned series of bank charges, the payment cost of ordinary people will be reduced, and a sum of "real money and silver" will be saved.
Three major operators cancel long-distance roaming charges
[Policy] This year, the three major operators, China Mobile, China Unicom and China Telecom, have announced that they will cancel the long-distance roaming charges for mobile phones.
[Impact] For many users, it is undoubtedly a good thing to cancel the long-distance roaming fee, and its tariff cost may be reduced more or less. Mr. Zhang, who often travels on business, told the reporter of Zhongxin.com that he often travels all over the country because of his work needs. After one year, the long-distance roaming fee is also a big expense. After cancellation, the money will be saved.
Bank card swipe fee reduction
[Policy] In March this year, the National Development and Reform Commission and the People’s Bank of China jointly issued the Notice on Perfecting the Pricing Mechanism of Credit Card Handling Fees, which has greatly reduced the level of fees as a whole since September 6. The service fee charged by the card issuer will charge the debit card and credit card differently. The debit card rate is reduced to no more than 0.35% of the transaction amount, and the single charge is capped in 13 yuan.
[Impact] The majority of merchants have ushered in a "fee reduction package". The National Development and Reform Commission recently revealed that compared with the rate before adjustment, September 6 — On November 15th, all kinds of merchants saved about 1.9 billion yuan in spending on credit card fees. It is estimated that by the end of the year, they can save about 3.1 billion yuan, which is equivalent to saving about 9.7 billion yuan for the whole year, exceeding the target amount of 7.4 billion yuan previously predicted.
16 kinds of real estate registration fee waiver
[Policy] Recently, the National Development and Reform Commission and the Ministry of Finance issued the "Notice on Relevant Issues Concerning the Fees for Real Estate Registration", which clarified the fees for real estate registration and the preferential policies for fee reduction and exemption, and implemented fee reduction and exemption for 16 kinds of real estate registration.
[Impact] At the moment when real estate transactions are increasingly active, this new policy has brought real benefits to homeowners. According to official estimates, after the implementation of the policy, the burden of applicants for real estate registration can be reduced by about 500 million yuan every year. (End)
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